Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Kat H

Choosing who to trust with my puppy’s insurance needs

When I picked up my new puppy from the breeder, he already had his first month of insurance covered. I reviewed the policy with that company and decided that I didn’t want to continue with them. So, I set out to find insurance that would offer the coverage I needed for a price I could afford. Embrace had the options I needed. We filed our first claim for his wellness check. The claims process was a breeze, and payment of my claim was swift. I hope I don’t have to use my pup’s insurance for anything major but if I do. I know they will be there for me and Marley.
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5

out of 5

POSTED: | BY: Anthony A.

I've had Embrace pet insurance for 4 years!

I've had Embrace pet insurance for the approximately the last 4 years. Throughout the years, the ease and timeliness of insurance claims have dramatically decreased. My average return time is now 24 hours to be accepted, with a usual deposit within 72 hours. I have 3 pets coveted, all 12yrs plus. From pneumonia to epilepsy, embrace had my back. 10/10 recommend for any dog lover that needs the top notch insurance at an affordable cost!
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4

out of 5

POSTED: | BY: Nik P

Embrace is easy and helpful

Embrace has always been very helpful and fast with claims. Customer service is great to work with. The app is very easy to use, claims can be submitted within minutes. I would give 5 stars but they are very expensive, my cost rises drasticly every year. For the price I have to pay, they lose a star.
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5

out of 5

POSTED: | BY: sam hallyburton

Prompt service and easy filing

I’ve always had prompt service from embrace. I typically have a check within a week of filing and really have zero complaints after 20 years. Customer service is friendly and responsive. In the recent year or so filing has become even easier. Great company!
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5

out of 5

POSTED: | BY: GEMcCowin

Such a breeze!!!

The claims process has been a breeze. My dog has gone through a series of visits to diagnose her lame leg. Embrace accepted the claims with ease and made prompt reimbursement which really let me worry less about the insurance and more about helping my fuzzy 4-legged friend heal faster!
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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